Call reports 2014
CITIZENS STATE BANK — 2014
What CITIZENS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,081,000 | 83,294,000 | 82,283,000 | 82,185,000 |
| Total loans | 32,258,000 | 33,573,000 | 34,833,000 | 36,276,000 |
| Allowance for loan losses | 534,000 | 539,000 | 534,000 | 517,000 |
| Securities available for sale | 42,474,000 | 41,743,000 | 38,170,000 | 36,725,000 |
| Securities held to maturity | 0 | 572,000 | 841,000 | 1,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,523,000 | 69,252,000 | 68,733,000 | 68,037,000 |
| Interest-bearing deposits | 60,553,000 | 60,049,000 | 60,232,000 | 59,630,000 |
| Noninterest-bearing deposits | 8,970,000 | 9,203,000 | 8,501,000 | 8,407,000 |
| Equity capital | 7,703,000 | 8,199,000 | 8,332,000 | 7,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 2,008,000 | 3,053,000 | 4,090,000 |
| Interest expense | 165,000 | 324,000 | 480,000 | 630,000 |
| Net interest income | 829,000 | 1,684,000 | 2,573,000 | 3,460,000 |
| Noninterest income | 236,000 | 447,000 | 674,000 | 929,000 |
| Noninterest expense | 741,000 | 1,538,000 | 2,371,000 | 3,233,000 |
| Provision for loan losses | 15,000 | 38,000 | 53,000 | 75,000 |
| Pretax income | 309,000 | 565,000 | 850,000 | 1,108,000 |
| Income tax | 15,000 | 57,000 | 105,000 | 126,000 |
| Net income | 294,000 | 508,000 | 745,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,749,000 | 7,963,000 | 8,200,000 | 7,688,000 |
| Total capital | 8,212,000 | 8,445,000 | 8,690,000 | 8,178,000 |
| Risk-weighted assets | 36,953,000 | 38,502,000 | 39,145,000 | 39,241,000 |